Disability Insurance
Your ability to earn a paycheck is probably your biggest financial asset. Disability insurance replaces a portion of your income if illness or injury keeps you from working, for a few months or for years. We help you understand what your employer coverage actually includes and where a personal policy fills the gap.
Something Most People Get Wrong
When people picture a disability, they picture a ladder or a car. In reality, the large majority of claims start with an illness. Backs, hearts, and cancer keep far more workers home than accidents do.
Business overhead expense insurance for owners
Short-Term Disability Insurance
Covers the first stretch away from work, usually starting within a week or two of the injury or illness and replacing part of your weekly pay for a matter of months.
Long-Term Disability Insurance
Picks up where the short term coverage stops and can carry on for years. The wording that defines being unable to work is the part that matters most, so read it closely.
Disability Income Insurance
Coverage you own yourself, which matters because a workplace policy only answers for what happens on the job. Most injuries happen on a Saturday.
Keep the Paycheck Coming
Send us what your employer already gives you and we will tell you what is missing.